Description Robert Half Management Resources is looking for a Credit Analyst to support one of our clients on an interim basis. In this role, you will examine newly acquired loan relationships, assess borrower performance, and translate findings into clear credit recommendations that align with the bank's underwriting framework. This opportunity is well suited for a finance specialist who enjoys detailed analysis, strong documentation, and collaboration with credit and underwriting partners in a remote environment.

Responsibilities:

• Analyze individual commercial loan files within an acquired portfolio to evaluate borrower strength, repayment capacity, collateral considerations, and overall risk exposure.
• Prepare well-structured credit memoranda and presentation materials that map existing loan relationships to internal policy standards and risk rating methodologies.
• Complete financial spreading, trend analysis, and cash flow modeling using borrower financial statements and related supporting documents.
• Examine loan agreements and covenant packages to confirm reporting requirements, identify exceptions, and establish accurate tracking for ongoing monitoring.
• Review credit files for missing information, policy gaps, emerging risk indicators, and documentation issues that could affect portfolio quality.
• Partner with underwriting, risk, and project stakeholders to share analytical findings that support informed decisions on portfolio integration activities.
• Maintain accurate and organized credit documentation to help ensure regulatory readiness and consistency across the reviewed portfolio. Requirements
• 1-3 years of experience in credit analysis within commercial banking, business banking, or a closely related lending environment.
• Working knowledge of commercial lending principles, credit structuring, and borrower risk assessment.
• Ability to interpret financial statements, spread borrower financials, and build cash flow analyses with a high level of accuracy.
• Experience drafting credit presentations, loan summaries, or underwriting narratives for internal review.
• Familiarity with loan documentation, covenant compliance review, and exception identification.
• Exposure to portfolio review projects, credit audits, acquired loan evaluations, or similar special assignments is preferred.
• Proficiency with credit analysis platforms such as Abrigo, Experian, or comparable financial systems is strongly preferred.
• Strong written communication skills with the ability to present complex credit findings in a clear, concise manner.

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